Legal. Terms & Conditions
|
|
- Emory Patterson
- 7 years ago
- Views:
Transcription
1 Legal Terms & Conditions With this policy, you enjoy the benefit of legal assistance through your insurer if and when you need it. In addition, you can gain a better understanding and appreciation of your legal rights. LIPCO Group (Pty) Ltd is the service provider that renders the legal service, mediation and assistance service in terms of this policy. Who is covered? This policy provides cover for you and your legal (traditional) spouse plus four dependent children (who are unmarried and unemployed) under the age of 25. If you get married after the commencement of your policy, the date of marriage will be noted as your spouse s commencement date. From this date, he/she and his/her dependent children will be subject to the applicable waiting periods. The benefits you enjoy Basic benefit This benefit entitles you to telephonic advice on any private, legal or labour matters, irrespective of whether the cause of action arose before or after the commencement of your policy. Assistance under this benefit is limited to advice only, and cover exists from the commencement date of your policy. Cover is unlimited. Mediation benefit This benefit entitles you to informal mediation and assistance in matters that arose after the commencement date of your policy. Letters will be written, telephone calls made, faxes and s sent and consultations held on your behalf. You will be assisted up to the point where litigation is inevitable. Cover exists from the commencement date of your policy. Cover is unlimited. Matters under the Mediation benefit include the following: Assistance with written representations and settlement negotiations in criminal and labour matters. Mediation in civil matters where you want to institute a claim or defend an action against you. Mediation in family matters, such as maintenance and divorce settlements. Matters related to identity theft. Drafting of the following agreements: - Contracts of sale for movable and immovable property. - Employment contracts for domestic workers. - Settlement agreements. - Acknowledgement of debt. - Rental agreements. - Standard wills. Tax Benefit You will have the services of registered Tax Practitioners in terms of the Tax Administration Act that specialises in providing tax advice and/or tax return submission services. LIPCO makes it their mission to ensure that the individual tax client s needs are met, while they are confident that their expertise, integrity, honesty and personalised contact with the client is what sets them apart from other players in the specialist service industry.
2 They aim to bridge the gap and act as mediator between the taxpayer and SARS where complicated tax related issues arise. They strive to assist the taxpayer in his/her own language where possible Who is covered? The main policyholder will be entitled to advice on his/her personal tax affairs and will also be assisted with the completion and submission of his/her annual tax return (current tax year only), provided that: This benefit only applies to the main policyholder, who must provide LIPCO with all relevant and requested documents which, at LIPCO s sole discretion, will be required to successfully complete and submit the policyholder s annual tax return to SARS. It is the policyholder s duty to ensure that all relevant documents are submitted to LIPCO not less than one calendar month before any applicable tax deadline set by SARS. Failure to timeously provide LIPCO with the required information and documents will give LIPCO the right to refuse assistance under this benefit. It remains the policyholder s duty to ensure which tax deadline applies to him/her and to adhere to it. What the Tax Benefit covers Completion and submission of tax returns. Completion and submission of provisional tax returns. Advice on salary structuring. Tax planning. Dispute resolution with SARS. Objection on assessment(s) from SARS. Calculation of capital Gains Tax. Calculation of Donations Tax. Assistance with assessment audits. Advice on all of the above. What the Tax Benefit does not cover The Tax Benefit specifies that it is limited to South African residents and limited to the main policyholder only. Previous year s submissions, objections and audit assistance will not be covered. Sole proprietors are excluded unless they can provide LIPCO with the relevant financial statements for the sole proprietor for the specific tax year. Close corporation members or shareholders in a private company are excluded unless they can provide LIPCO with the relevant financial statements pertaining to the close corporation or private company, for the specific tax year. Assistance under this benefit is limited to personal tax returns only. Policies issued before 1 June will also be covered for the current tax year (submission of tax return between July and November). Policies issued after 1 June will only be covered as from the following tax year. It remains the policyholder s responsibility to contact and instruct LIPCO to complete relevant tax returns on an annual basis. All necessary, relevant and requested documents for completion of tax returns must reach LIPCO one calendar month before SARS relevant tax deadline(s). LIPCO will not request or obtain documents from third parties on the policyholder s behalf (e.g. IRP5s, medical aid certificates, etc.). This will remain the policyholder s responsibility. LIPCO cannot call third parties on the policyholder s behalf. This will remain the policyholder s responsibility. The policyholder will be responsible for updating his/her personal and banking details with SARS directly.
3 Litigation benefit The details of this benefit differ according to which plan you have chosen. See the table below for more information. PLAN A PLAN B PLAN C The Litigation benefit provides cover when you are involved in any court proceedings of a criminal, civil or labour nature where physical representation is required. Cover is limited to the maximum amount stated on your schedule and commences three months after the inception or reinstatement date of your policy. The Litigation benefit provides cover when you are involved in any court proceedings of a criminal, civil or labour nature where physical representation is required. Cover is limited to the maximum amount stated on your schedule and commences three months after the inception or reinstatement date of your policy. The Litigation benefit provides cover when you are involved in any court proceedings of a criminal, civil or labour nature where physical representation is required. Cover is limited to the maximum amount stated on your schedule and commences three months after the inception or reinstatement date of your policy. The Litigation benefit includes representation in the following matters: Civil matters based on any written and signed agreement. Bail applications and criminal matters. Disciplinary hearings where you face dismissal and legal representation is allowed. Any identity theft-related matter. The Litigation benefit includes representation in the following matters: Civil matters based on any written and signed agreement. Bail applications and criminal matters. Disciplinary hearings where you face dismissal and legal representation is allowed. Any identity theft-related matter. Unopposed divorce matters (i.e. where the action is not defended and a settlement is reached between the parties). Maintenance hearings where the other party to the dispute is represented by a legal practitioner. The Litigation benefit includes representation in the following matters: Civil matters based on any written and signed agreement. Bail applications and criminal matters. Disciplinary hearings as well as Labour Court proceedings where you face dismissal. Any identity theft-related matter. Unopposed divorce matters as well as opposed divorce matters. Cover is limited to R per annum. Maintenance hearings where the other party to the dispute is represented by a legal practitioner. A Magistrate s Court application for rescission of judgment where you have a valid legal defence, the judgment was taken against you without your knowledge and you informed LIPCO thereof within seven days of becoming aware of the judgment. Waiting period The waiting period is a period where no insurance cover is provided and monthly premiums are payable. What is not covered Any legal action against LIPCO Group (Pty) Ltd and/or your insurer and/or any of their representatives. Where representation is required outside of South Africa, or where any party to a dispute resides or is domiciled outside of South Africa. Litigation matters where the cause of the claim arose prior to or within the minimum waiting period applicable. Where no reasonable prospect of success exists, that is if, in the mediator s Merits Committee s discretion, you provided false or insufficient information to convince the Merits Committee that you will win the case. Disputes between you and your insurer and/or any instructed representative of your insurer. Acts performed by you in the course of your existing or prospective business or commercial transactions related to such business. Your involvement in political activities with any government, local and/or tribunal authority.
4 Matters relating to negligence and/or acts performed by you or your spouse/dependants while under the influence of alcohol and/ or any type of drug. Acts performed by you that are grossly negligent or reckless and/or malicious, for instance, where you intentionally disregarded the law, knowing the possible consequences. Civil commotion, labour disturbances, riots, public disorder, unlawful strikes, lock-out and civil disobedience. War, invasion, acts of foreign enemies, hostilities or warlike operations and/or mutiny arising. Matters where members of the public can appear without legal representation at community courts such as the Small Claims Court. Any matter arising out of a family/affectionate relationship dispute (for example, custody, maintenance, adoption, domestic violence) or any claim between spouses and ex-spouses. Any self-initiated or business related applications or registrations (such as licences, patents, copyright, etc.). Any formal legal application, whether of a civil, family, criminal or labour nature, where such application is self-initiated (for example, interdict, sequestration, rehabilitation) in respect of which the main objective is to place you in a better financial and/or reputable position. Winding up of estates and matters regarding the establishment of a trust. A civil claim based on a verbal agreement in respect of which there are no written terms and conditions. Any claims for non-monetary losses (for example, malicious prosecution, wrongful arrest and defamation matters). Constitutional Court representations. Any matter where it is possible for you to claim damages through any other form of insurance. Tax-related litigation. Where you fail to report or notify the service provider of any matter likely to give rise to litigation within 30 days of the occurrence of such an event. The collection of debt on your behalf, where the first warrant of execution has been issued and was unsuccessful. You will be responsible for further costs regarding the execution process. Payment of cost orders awarded against you in any legal proceedings. Loss or damage to your vehicle, where your finance agreement required you to correctly insure the vehicle but you failed to do so. Motoring matters (civil and criminal related) where: - The vehicle concerned was driven by anyone other than you or any of your dependants; or - The driver of the vehicle was not in possession of a valid driver s licence at the time of the incident. Any civil or labour-related claim by you where the total amount claimed is less than R An ID theft matter will not be covered if it resulted from: - Dishonest or fraudulent acts committed by the member or any of his/her relatives (i.e. spouses, siblings, children or parents); or - Failure by the member to comply with any or all of the terms and conditions applicable to payment cards (i.e. the terms and conditions imposed by the relevant financial institution that issued the card). Your obligations Inform us if any of the details or declarations are incorrect or if any of these details or declarations change. Report any legal or labour matter to the service provider within 30 days of your becoming aware. If you want to submit a claim or report a new case, or require legal assistance, please call the Sales, Client Service and Claims number (below). Claim damages from any insurance you may have before claiming in terms of the Litigation benefit.
5 If you are dissatisfied with any service provided in terms of this policy, contact the Internal Dispute Resolution Department within 90 days on or via as per the address on your schedule. If you do not comply with this time limit, you will be prevented from proceeding with legal process. If the dispute is not resolved to your satisfaction you will have an additional 180 days to either institute legal proceedings or to contact the Ombudsman for Short-Term Insurance at PO Box 32334, Braamfontein, Note that the Ombudsman only considers a complaint made to him if he is satisfied that the Complainant has tried unsuccessfully to resolve the dispute through approaches to the Insurer s management or its internal complaints handling department. Disputed claims After we inform you of our decision on a claim, we will allow you 90 days to make the appropriate representations to us about our decision. If you do not comply with this time limit, we will not reconsider the disputed claim. If we do receive representations, the decision will then be reviewed and the outcome communicated to you. If, after review, we do not indemnify you for a claim or any part of it and you wish to challenge our decision, you must serve legal process within six months calculated from the expiry of the 90-day period referred to above. If you do not comply with this time limit, you will be prevented from proceeding with legal process. How do my payments work? This policy gives you monthly cover and your premium is deducted in advance on the date stated on your schedule. If in the month following the activation of your policy (and onwards) we do not receive your premium on the due deduction date, you will be allowed a 15-day period of grace in which to pay your premium. If we still do not receive your premium after these 15 days, you will not have cover for that month until the premium is received. Premium obligations For your premium obligations, refer to the paragraph headed Payment details on your schedule. This will give you details regarding the premium payable, the manner of payment of premiums and the due date for payment of your premiums. Your policy will only commence upon receipt of the first premium. Please take note that we agreed to collect the monthly payment for your policy by debit order, and your initial debit will include your commencement premium and an administration fee. A deduction will be made on the same date every month. Should this date fall on a Sunday or public holiday, the deduction will be made either on the last working day prior to or the first working day after the weekend or public holiday. If we do not receive your premium on your preferred deduction date, we may attempt to collect your premium on a more suitable date in an effort to keep you covered. If payment is not received for three consecutive months, the policy will be cancelled immediately. Payment stopped If you have instructed the bank to stop your debit order payment, the policy will be cancelled immediately. Amendments To amend or cancel your policy, call the Sales, Client Service and Claims number (on the back of this brochure). Any amendment or cancellation you make will be effective from the date we agree on. Note that if we wish to amend or cancel your policy, we will give you 30 days written notice. Click here for the contact number
6 Sales, Client Service & Claims: Auto & General Insurance Company Ltd (Reg. No. 1973/016880/06) is an authorised financial services provider (FSP licence number: 16354). LIPCO Group is an authorised financial services provider (FSP Licence No: 7508).
EXTENDED WARRANTY POLICY WORDING
EXTENDED WARRANTY POLICY WORDING Underwritten by Guardrisk Insurance Company Limited, an Authorized Financial Services Provider, FSP license number 75. Tracker Agility (Pty) Limited is an Authorized Financial
More informationStandard Bank Legal Assist Plan
Standard Bank Legal Assist Plan Terms for Compensation In return for you (the policyholder) paying your premiums, we (the insurance company agree to: - give any insured person legal information, advice
More informationCredit Card Debt Protection Plan
Credit Card Debt Protection Plan Personal Banking First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20). FNB Credit Card Debt Protection
More informationCOMMERCIAL LEGAL PROTECTION POLICY
COMMERCIAL LEGAL PROTECTION POLICY This is a claims made insurance policy in respect of which only claims notified to The Company during the Period of Insurance shall be covered. Definitions: 1. The Company
More informationdoing things your way MiAccidental Death and Injury Each and every individual who joins MiWay enters into a contract where "me + I" are the most important considerations. Therefore this policy wording
More informationQUEST - QBE COMPREHENSIVE MOTOR INSURANCE MASTER POLICY
QUEST - QBE COMPREHENSIVE MOTOR INSURANCE MASTER POLICY CONTENTS PAGE SECTION 1: LOSS OR DAMAGE TO VEHICLE 1 INSURING CLAUSE 1 AUTOMATIC EXTENSION 1 LIMIT OF INDEMNITY 1 EXCLUSIONS 1 EXCESS FOR SECTION
More informationHow To Understand The African Hospital Accident Plan Policy
Absa Insurance Company Limited, Reg No 1992/001737/06 Absa Hospital Accident Plan Policy Contents Terms of contract Description of cover Definitions Table of Benefits General Conditions Claims information
More informationPROFESSIONAL INDEMNITY INSURANCE SCHEME 1JULY 2011 TO 30 JUNE 2012
PROFESSIONAL INDEMNITY INSURANCE SCHEME 1JULY 2011 TO 30 JUNE 2012 PROFESSIONAL INDEMNITY INSURANCE In consideration of the Attorneys Fidelity Fund, for and on behalf of every insured (as defined in this
More informationFAMILY CLASSIC LEGAL PROTECTION & ADVICE KEY FACTS BROCHURE
FAMILY CLASSIC LEGAL PROTECTION & ADVICE KEY FACTS BROCHURE WHY YOU NEED DAS FAMILY CLASSIC STANDARD COVERS EMPLOYMENT COVER CONSUMER CONTRACT DISPUTES PERSONAL INJURY NEIGHBOUR PROBLEMS HM REVENUE & CUSTOMS
More informationContents. General terms and conditions 02. Vehicle comprehensive 06. Vehicle third party, fire and theft 09. Vehicle third party only 12
Contents General terms and conditions 02 Vehicle comprehensive 06 Vehicle third party, fire and theft 09 Vehicle third party only 12 Off-road vehicle comprehensive 14 Motorcycle comprehensive 17 Caravan
More informationEMPLOYMENT-RELATED PRACTICES LIABILITY ENDORSEMENT
POLICY NUMBER: CL CG 04 57 07 09 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYMENT-RELATED PRACTICES LIABILITY ENDORSEMENT This endorsement modifies insurance provided under the
More informationHow To Get A Pension In The Uk
Table of Contents Introduction... 1 Page Definitions... 1 Act of Terrorism... 1 Claim... 1 Documents... 1 Excess... 1 Inquiring Body... 1 Inquiry Costs... 1 Insured... 2 Insured Costs... 2 Insurer... 2
More informationNovated Lease Protection
Product Disclosure Statement and insurance policy Insurer: Preparation date: 17 June 2011 Swann Insurance (Aust) Pty Ltd ABN 80 000 886 680 AFS Licence No. 238292 Table of contents This PDS is important
More informationPersonal Accident & Road Protect Cover through Virgin Money Insurance like it should be.
Personal Accident & Road Protect Cover through Virgin Money Insurance like it should be. Terms & Conditions You get cover in the event of death, disablement or hospitalisation resulting from an accident.
More informationCERTIFICATE OF INSURANCE- MOTORIST LEGAL EXPENSES. Claims Agent PCLE Ltd, PCLE House, Invar Business Park, Invar Road, Swinton, Manchester M27 9HF.
CERTIFICATE OF INSURANCE- MOTORIST LEGAL EXPENSES DEFINITIONS Claims Agent PCLE Ltd, PCLE House, Invar Business Park, Invar Road, Swinton, Manchester M27 9HF. Defendant The person, company or partnership
More informationCREDIT CARD DEBT PROTECTION PLAN
CREDIT CARD DEBT PROTECTION PLAN First National Bank a division of FirstRand Bank Limited. An Authorised Financial Services and Registered Credit Provider. Company Reg. No. 1929/001225/06 NCA Reg No. NCRCP20
More informationTEMPLE LITIGATION ADVANTAGE INSURANCE FOR DISBURSEMENTS AND OPPONENT S COSTS Certificate of Insurance
TEMPLE LITIGATION ADVANTAGE INSURANCE FOR DISBURSEMENTS AND OPPONENT S COSTS Certificate of Insurance In return for the payment of the Premium specified in the Schedule and based on any Information that
More informationLegal Expenses Insurance Policy
Legal Expenses Insurance Policy Some important facts about the Legal Expenses policy are summarised below. This summary does not describe all of the terms and conditions of the policy, so please take time
More informationb o n l i f e Bonben Assurance Namibia Limited Registration Number: 96 / 391 CERTIFICATE OF PARTICIPATION (NUMBER BONLIFE/01/07/14/DB) ISSUED
b o n l i f e Bonben Assurance Namibia Limited Registration Number: 96 / 391 CERTIFICATE OF PARTICIPATION (NUMBER BONLIFE/01/07/14/DB) ISSUED to INVESTMED LTD Reg No. 2008/0614 SCHEDULE OF INSURANCE Policyholder:
More informationWork Injury Compensation Insurance (Contract)
Work Injury Compensation Insurance (Contract) Policy Wordings Please read this insurance Policy carefully to ensure that you understand the terms and conditions and that this Policy meets your requirements.
More informationSERVICES LEVEL AGREEMENT
Legal Sense (PTY) Ltd. is an Authorised Financial Services Provider FSP No: 26702 LEGAL PROTECTION FOR YOUR BUSINESS Criminal Civil Labour Contracts Debt Collection www.legalsense.co.za 0861 573 673 info@legalsense.co.za
More informationLoss Assessors Fees and Legal Protection. for your business This is your policy wording. Scheme reference TS5/4188422 Arranged by Camberford Law Plc
Loss Assessors Fees and Legal Protection Insurance for your business This is your policy wording Scheme reference TS5/4188422 Arranged by Camberford Law Plc CONTENTS The meaning of words in this policy
More informationMedical Malpractice Insurance Policy
Medical Malpractice Insurance Policy You only have cover under this policy if the schedule lists it as included. This policy should be read in conjunction with the schedule. Contents 1 Definitions... 2
More informationEmployers Liability Policy
LIABILITY Employers Liability Policy Costs in Addition (Claims Made Wording) Lumley, a business division of IAG New Zealand Limited, Lumley Centre, 88 Shortland Street, PO Box 2426, Auckland 1140, New
More informationManagement liability - Employment practices liability Policy wording
Special definitions for this section Benefits Claim Defence costs The General terms and conditions and the following terms and conditions all apply to this section. Any compensation awarded to an employee
More informationBAR COVER. Barristers Sickness and Accident Fund Pty Ltd ACN 000 381 617 as trustee of The Barristers Sickness and Accident Fund, 1961
BAR COVER Barristers Sickness and Accident Fund Pty Ltd ACN 000 381 617 as trustee of The Barristers Sickness and Accident Fund, 1961 Sickness and Accident Insurance PRODUCT DISCLOSURE STATEMENT Dated
More informationYour Motor Legal Protection Insurance Policy Wording
Your Motor Legal Protection Insurance Policy Wording www.debenhamscarinsurance.co.uk Contents Your Motor Legal Protection Insurance Policy Wording... 3 General Exceptions... 10 2 Your Motor Legal Protection
More informationLife Insurance - A Beginners Guide to Understanding
Life Product Disclosure Statement and Insurance Policy CGU Life Product Disclosure Statement and Policy Life Preparation date: 01/02/2013 Contents About This Insurance 1 Overview 1 Who is the product
More informationMOTORCYCLE INSURANCE POLICY (SAMPLE)
MOTORCYCLE INSURANCE POLICY (SAMPLE) SAMPLE COLONIAL MOTORCYCLE POLICY 1 COLONIAL MOTOR CYCLE COVER The Colonial Insurance Company Ltd. (hereinafter referred to as Colonial ) agrees to provide insurance
More informationPersonal Accident. Terms & Conditions
Personal Accident Terms & Conditions What the Personal Accident policy covers The Personal Accident policy provides you with invaluable cover if you are injured and admitted to hospital or you are disabled
More informationEmployer Indemnity Policy. Western Australia Workers Compensation and Injury Management Act 1981
Employer Indemnity Policy Western Australia Workers Compensation and Injury Management Act 1981 Table of contents page Introduction 2 Definitions 2 Workers Compensation Insurance 4 Common Law Insurance
More informationDAS LEGAL PROTECTION INSURANCE POLICY
DAS LEGAL PROTECTION INSURANCE POLICY Contents DAS Legal Protection Insurance Policy...1 Making a claim...1 Agreement...2 Insured events CAA Legal Coverage...3 Insured events CAA Legal Plus Coverage...6
More informationMy Legal Expenses Cover...
My Legal Expenses Cover... Motor Legal Expenses Welcome Thank you for insuring with 1 ST CENTRAL. We are delighted to welcome you as a valued client. Please take time to read your policy and contact us
More informationNext Directory RPC Policy Document
Introduction to the insurance This is your policy document for your product valued up to but not exceeding 150 and should be read in conjunction with your certificate of insurance. In return for the payment
More informationEC SECURITY SERVICES CC (Reg. No. 1997/10532/23) ( ECSS ) and ( CLIENT )
CONTRACT OF SERVICE EC SECURITY SERVICES CC (Reg. No. 1997/10532/23) ( ECSS ) and ( CLIENT ) ADDRESS OF SERVICE: REPRESENTED BY: 1. INTERPRETATION 1.1 In this agreement, unless required or indicated by
More informationWork Injury Compensation Insurance (Annual)
Work Injury Compensation Insurance (Annual) Policy Wordings Please read this insurance Policy carefully to ensure that you understand the terms and conditions and that this Policy meets your requirements.
More informationDOMESTIC BUSINESS BUILDER POLICY
Policy of Insurance Credit Guarantee Insurance Corporation of Africa Limited Reg no 56/00368/06 31 Dover Street Randburg P O Box 125 Randburg 2125 Telegraph 'Credinsur' Johannesburg Telex 4-20508 SA Telephone
More informationNEW JERSEY LAW ENFORCEMENT SUPERVISORS ASSOCIATION PREPAID LEGAL SERVICES PLAN (CIVIL) THE LAW OFFICES OF FRANK M. CRIVELLI, L.L.C.
NEW JERSEY LAW ENFORCEMENT SUPERVISORS ASSOCIATION PREPAID LEGAL SERVICES PLAN (CIVIL) THE LAW OFFICES OF FRANK M. CRIVELLI, L.L.C. I. COVERAGE & ELIGIBILITY Participants and Dependents are defined herein
More informationPURCHASE PRICE PROTECTION INSURANCE
PRODUCT DISCLOSURE STATEMENT AND POLICY WORDING PURCHASE PRICE PROTECTION INSURANCE Insurer: Swann Insurance (Aust) Pty Ltd ABN 80 000 886 680 AFS Licence No. 238292 Preparation date: 29 February 2016
More informationUSING LAWYERS IN HONG KONG
USING LAWYERS IN HONG KONG This Guide deals in general terms with using lawyers in Hong Kong. It aims to help a seafarer understand the legal profession in Hong Kong, and how to select, engage and if need
More informationHollard Retirement Annuity Plan
Hollard Retirement Annuity Plan I n f o r m a t i o n d o c u m e n t Hollard Retirement Annuity Plan This document contains general information about the Hollard Retirement Annuity Plan and is not the
More informationCIVIL LITIGATION ASSISTANCE SCHEME CONDITIONS OF ASSISTANCE
APPLICATION CIVIL LITIGATION ASSISTANCE SCHEME CONDITIONS OF ASSISTANCE 1. Applications for funding under the Civil Litigation Assistance Scheme can only be submitted through a private legal practitioner
More informationBefore the Event Legal Expenses Insurance Policy Summary
Before the Event Legal Expenses Insurance Policy Summary PROVIDED BY AMTRUST EUROPE LIMITED This is a summary of the main features of the Before the Event Legal Expenses Insurance Policy arranged by AmTrust
More informationCREDIT CARD TOP-UP DEBT PROTECTION PLAN
CREDIT CARD TOP-UP DEBT PROTECTION PLAN First National Bank a division of FirstRand Bank Limited. An Authorised Financial Services and Registered Credit Provider. Company Reg. No. 1929/001225/06 NCA Reg
More informationTerm Life. Product Disclosure Statement and Insurance Policy
Term Life Product Disclosure Statement and Insurance Policy Administrator Intermediary The information provided in this PDS is general information only and does not take into account your individual objectives,
More informationIndependent Living Insurance. Policy Summary
Independent Living Insurance Policy Summary Independent Living Insurance This summary does not contain the full terms and conditions of your policy. Please refer to your policy document for the full terms
More informationLife insurance. Policy wording
Life insurance Policy wording Life insurance policy wording contents 1. Introducing your Policy 2. What you re covered for 3. What you re not covered for 4. Changing your cover 5. What you can expect from
More informationMANDATORY VEHICLE INSURANCE Terms and conditions No. 500
These insurance terms and conditions consist of three independent insurance contracts and are divided into four sections. The final section applies jointly to all three insurance contracts. The division
More informationYour Van Policy Summary
Your Van Policy Summary Your Summary of Cover Dear customer This booklet is your policy summary, so please keep the booklet safe for when you need it. There are also some useful tips on what to do in an
More informationmaxima APPLICATION FORM
maxima APPLICATION FORM SECTION 1 CHOICE OF OPTION Choose ONE product option by placing x in the appropriate box MAXIMA PLUS MAXIMA EXEC MAXIMA STANDARD MAXIMA BASIS MAXIMA CORE MAXIMA ENTRYZONE MAXIMA
More informationInsurance. Life. Insurance. Product Disclosure Statement and Policy
Insurance Life Insurance Product Disclosure Statement and Policy Effective 11 October 2013 The information provided in this PDS is general information only and does not take into account your individual
More informationPLEASE READ THIS POLICY (AND THE SCHEDULE WHICH FORMS AN INTEGRAL PART OF THE POLICY) TO ENSURE THAT IT MEETS YOUR REQUIREMENTS
PLEASE READ THIS POLICY (AND THE SCHEDULE WHICH FORMS AN INTEGRAL PART OF THE POLICY) TO ENSURE THAT IT MEETS YOUR REQUIREMENTS The Legal Defence Union (the insurer), and the insured agree that This Policy
More informationSpecialist Miscellaneous Professions (Legal Liability) Professional Liability Insurance Summary
Specialist Miscellaneous Professions (Legal Liability) Professional Liability Insurance Summary Specialist Miscellaneous Professions Underwritten by a member of the QBE Insurance Group (QBE) This insurance
More informationTERMS AND CONDITIONS OF THE CELLPHONE INSURANCE POLICY
TERMS AND CONDITIONS OF THE CELLPHONE INSURANCE POLICY 1. Summary of these terms and conditions This page gives YOU a summary of the insurance. It serves as a guide when reading the policy. YOU must read
More informationBUSINESS LEGAL PROTECTION INSURANCE POLICY
BUSINESS LEGAL PROTECTION INSURANCE POLICY Contents DASbusiness Legal Protection Policy for CAA...1 Making a claim...1 Agreement...2 Insured events...2 Telephone legal advice...6 Definitions...6 Limit
More informationMedical Practitioner Application and Proposal
Support Protect Promote Medical Practitioner Application and Proposal Application for Membership of MDA National Limited Proposal for Professional Indemnity Insurance Support Protect Promote Thank you
More informationSurveyors Professional Liability Insurance Summary
Surveyors Professional Liability Surveyors Professional Liability Underwritten by a member of the QBE Insurance Group (QBE) This insurance is an annual contract unless stated otherwise in the quotation
More informationAl Mubarak Credit Card Term and condition
Al Mubarak Credit Card Term and condition Arab National Bank ( Bank ) will issue the Al Mubarak Credit Card ( Card ), subject to the following Terms and Conditions: 1. Standard Definitions: A. Card: The
More informationSeptember 2008. Claims Guideline
September 2008 Claims Guideline CLAIMS GUIDELINE Table of Contents 1 INTRODUCTION... 1 2 PURPOSE OF THE GUIDELINE... 1 3 DEFINITIONS... 2 MARKET CONDUCT 4 GENERAL REQUIREMENTS... 3 5 CLAIMS NOTIFICATION...
More informationThese terms of business (the Terms ) explain the entire rights and obligations of You and Us regarding the provision of our Services.
Investor Compensation (UK) Limited - Terms and Conditions PPI These terms of business (the Terms ) explain the entire rights and obligations of You and Us regarding the provision of our Services. You should
More informationDUAL NEW ZEALAND EMPLOYERS LIABILITY WORDING (03.11)
Table of Contents SECTION 1 PREAMBLE... 3 SECTION 2: INSURING CLAUSE... 3 SECTION 3: INTERPRETATION... 3 SECTION 4: DEFINITIONS... 4 SECTION 5: EXCLUSIONS... 5 SECTION 6: CLAIM CONDITIONS... 7 SECTION
More informationGENERAL TERMS & CONDITIONS
GENERAL TERMS & CONDITIONS 1. IMPORTANT INFORMATION ABOUT YOUR iwyze POLICY 1.1 iwyze is underwritten by Mutual & Federal Insurance Company Ltd (Reg. No. 1970/006619/06) which provides your insurance cover
More informationPersonal Injury Cover. Terms and Conditions
Personal Injury Cover Terms and Conditions Demands and Needs Statement This Policy meets the demands and needs of those who wish to ensure that in the event of an Accident an Insured Person will be covered
More informationGAPCOVER INSURANCE. This PDS is important 1 The insurance cover you select 4 Introduction 1 Limit on amount we pay 4
PRODUCT DISCLOSURE STATEMENT AND POLICY WORDING GAPCOVER INSURANCE Insurer: Swann Insurance (Aust) Pty Ltd ABN 80 000 886 680 AFS Licence No. 238292 Preparation date: 1 December 2015 TABLE OF CONTENTS
More informationLawCover. Professional Indemnity Insurance Policy 2009/2010 116693148 \ 0421663 \ AZO01
LawCover Professional Indemnity Insurance Policy 2009/2010 116693148 \ 0421663 \ AZO01 This Policy sets out the conditions on which we agree to insure you. When reading this Policy, please note the use
More informationIn the event of a claim please call. Insurance
In the event of a claim please call 0871 222 79 10 Excess Protection Insurance Excess Protection Insurance Section 1: Policy Structure Thank You for choosing Excess Protection Insurance. This policy wording
More informationProduct Disclosure Statement - Part A
Product Disclosure Statement - Part A Car Insurance Policy General Terms and Conditions This document prepared on 15th October 2015 Product Issuer: Auto & General Insurance Company Limited ABN 42 111 586
More informationDriver Personal Accident Confirmation of Benefits
Driver Personal Accident Confirmation of Benefits By virtue of you being registered as a member of BlaBlacar and being a driver on a eligible trip, you receive Personal Accident benefits free of charge
More informationPersonal Injury Cover. Terms and Conditions
Personal Injury Cover Terms and Conditions Demands and Needs Statement This Policy meets the demands and needs of those who wish to ensure that in the event of an Accident an Insured Person will be covered
More informationa) Employers Liability Insurance Policy Wording
a) Employers Liability Insurance Policy Wording SECTION 1: PREAMBLE In consideration of the payment of the premium to US, WE shall provide the cover described in the POLICY, subject to its terms and conditions,
More informationPRIORITY. Professional Indemnity Insurance Contract
PRIORITY Professional Indemnity Insurance Contract Between AC&E PI and Liability Underwriters (Pty) Ltd acting as underwriting managers on behalf of the New National Assurance Company Ltd and hereafter
More informationLegal Expenses Insurance
Legal Expenses Express Services - Motor Legal Expenses Policy Summary Some important facts about your Express Services Motor Legal Expenses insurance policy are summarised below. This summary does not
More informationSport & Social Clubs and Not For Profit Organisations Directors & Officers Liability Select
Allianz Insurance plc Sport & Social Clubs and Not For Profit Organisations Directors & Officers Liability Select Policy Overview Product Name/Subject Line Professional Indemnity Policy Overview Contents
More informationINDIA MOTOR TARIFF w.e.f 01.07.2002 - Policy wording STANDARD POLICY FORM FOR MOTOR TRADE INTERNAL RISKS
INDIA MOTOR TARIFF w.e.f 01.07.2002 - Policy wording STANDARD POLICY FORM FOR MOTOR TRADE INTERNAL RISKS Whereas the insured by a proposal and declaration dated as stated in the Schedule which shall be
More informationINCOME PROTECTION POLICY DOCUMENT
INCOME PROTECTION POLICY DOCUMENT For Employees (as Voluntary Insured Members) Participating Employer (Universities of NZ) (the employer) Administered by Marsh (the policy owner) Insured by Sovereign Assurance
More informationProtectMyHomeLoan Mortgage Protection Product Disclosure Statement including Policy Wording
ProtectMyHomeLoan Mortgage Protection Product Disclosure Statement including Policy Wording This is a very important document. Please read this entire document carefully to ensure you understand the extent
More informationYour. Product Disclosure Statement and Insurance Policy
Your Product Disclosure Statement and Insurance Policy In arranging this insurance Credit Union Australia Limited ABN 44 087 650 959 AFSL No. 238317 is acting pursuant to an agreement with the Insurer
More informationTeam Anywhere EMAIL ORDER FORM
1. Applicant Details Team Anywhere EMAIL ORDER FORM Please complete and return this form to: Quincerto Group (NZ) Ltd, PO Box 31-248, Christchurch, New Zealand Telephone: 0508 332 537 Fax: 03 342 6109
More informationMotor Vehicle Excess Protection Policy Wording
Motor Vehicle Excess Protection Policy Wording www.greeninsurancecompany.co.uk Contents Demands and Needs Statement 2 Insurer 2 What makes up this policy? 2 Changing your mind Your right to cancel 2 Definitions
More informationSPECIALIST 24 HR CRIMINAL DEFENCE
SPECIALIST 24 HR CRIMINAL DEFENCE What happens at the Police Station? Often the most important stage in any case is what happens in the police station. In most cases you will be under arrest and it may
More informationLIFE INSURANCE POLICY DOCUMENT. Participating Employer (Universities of NZ) (the employer)
LIFE INSURANCE POLICY DOCUMENT For Employees (as Voluntary Insured Members) Participating Employer (Universities of NZ) (the employer) Administered by Marsh (the policy owner) Insured by Sovereign Assurance
More informationMotor Legal Expenses Policy Wording
3478676865245-0000000 34545323455index,134545323456 34545323455persist,false34545323456 34545323455output_folder,/strata/clients/ukais/live/v53/exports 34545323455document_name,PREVIEW34545323456 34545323455printfile_path,/strata/clients/ukais/live/v53/exports/PREVIEW.ps34545323456
More informationwww.startrescue.co.uk 01
INTRODUCTION This policy summary provides key information about the Uninsured Loss Recovery Policy, which you should read. For full terms and conditions of the policy please refer to the policy document
More informationDavid Jones Storecard and David Jones American Express Card Member Agreement, Financial Services Guide and Purchase Protection. Terms and Conditions
David Jones Storecard and David Jones American Express Card Member Agreement, Financial Services Guide and Purchase Protection Terms and Conditions Issued May 2016 DAVID JONES STORECARD AND DAVID JONES
More informationLAWYERS PROFESSIONAL LIABILITY INSURANCE CLAIMS-MADE POLICY COVERAGE
LAWYERS PROFESSIONAL LIABILITY INSURANCE CLAIMS-MADE POLICY COVERAGE WE will pay, subject to OUR limit of liability, all DAMAGES the INSURED may be legally obligated to pay and CLAIM EXPENSE(S), due to
More informationTERMS & CONDITIONS OF BUSINESS
TERMS & CONDITIONS OF BUSINESS 1. Introduction These terms and conditions explain the basis upon which we carry out work for you and charge for our services subject to any variations set out in our engagement
More informationPOLICY WORDING. Employers Liability Costs in Addition
POLICY WORDING Employers Liability Costs in Addition CONTENTS INTRODUCTION 2 SECTION 1 INSURANCE AGREEMENT 2 SECTION 2 WHAT YOU ARE INSURED FOR 2 SECTION 3 AUTOMATIC POLICY EXTENSIONS 3 SECTION 4 EXCLUSIONS
More informationMoneySmartCo Limited Terms of Business MoneySmartCo Limited (Company Number 0861355) is a claims management company authorised and regulated by the
MoneySmartCo Limited Terms of Business MoneySmartCo Limited (Company Number 0861355) is a claims management company authorised and regulated by the Claims Management Regulator in respect of claims management
More informationLEGAL SCHEME REGULATIONS
LEGAL SCHEME REGULATIONS These Regulations came into force on 1 July 2014. 1 Introduction 1.1 These Regulations govern the Union s legal Scheme. The Rules of the Union set out your other rights and entitlements.
More informationCOMMERCIAL PROFESSIONAL LIABILITY COVERAGE FORM
COMMERCIAL PROFESSIONAL LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout
More informationZurich Involuntary Unemployment Insurance. Product Disclosure Statement
Zurich Involuntary Unemployment Insurance Product Disclosure Statement Preparation Date: 1 February 2008 Involuntary Unemployment Insurance Contents About Zurich..................................................................................
More informationDesign and Construct Professional Liability Insurance Summary
Design and Construct Professional Liability Insurance Summary Design and Construct Professional Underwritten by a member of the QBE Insurance Group (QBE) This insurance is an annual contract unless stated
More informationThat Easy SIMPLE INSURANCE FROM EDGARS
That Easy SIMPLE INSURANCE FROM EDGARS CELLPHONE INSURANCE Underwritten by The Hollard Insurance Company Limited, a registered Insurer and an Authorised Financial Services Provider. Edcon is a juristic
More informationPayment Protection Insurance Policy
Payment Protection Insurance Policy Introduction Money back guarantee You may cancel your policy within 14 days of receiving it if you are not entirely satisfied with the insurance cover provided. You
More informationGeneral terms and conditions for personal customers
General terms and conditions for personal customers General terms and conditions for personal customers are effective from 14 October 2015 and Nordea Bank Danmark A/S may amend these terms and conditions
More informationQ Card Term Life Policy Wording
Q Card Term Life Policy Wording Q Card Term Life Policy Wording 1. Your Policy Important 2. About the Policy 3. Policy Terms and Conditions 3.1 Definitions 3.2 Policy Benefits 3.3 Other terms and conditions
More informationGeneral terms and conditions 2. Vehicle comprehensive 5. Vehicle third party, fire and theft 7. Vehicle third party only 9
Contents General terms and conditions 2 Vehicle comprehensive 5 Vehicle third party, fire and theft 7 Vehicle third party only 9 Off-road vehicle comprehensive 10 Motorcycle comprehensive 12 Caravan 14
More information220 Third-Party Liability Insurance for Motor Vehicles
A COMPULSORY THIRD PARTY LIABILITY INSURANCE FOR MOTOR VEHICLES 1. The insured parties 1.1 The policyholder is insured, as well as whoever uses or drives the vehicle with his consent. Should the vehicle
More informationUnderwritten by Mutual & Federal Risk Financing Ltd OPERATIVE CLAUSE
Underwritten by Mutual & Federal Risk Financing Ltd OPERATIVE CLAUSE Mutual & Federal Risk Financing Ltd (The Insurer) agrees to provide insurance in terms of this policy during any period of insurance
More informationTHE GENERAL INSURANCE BROKERS CODE OF PRACTICE
THE GENERAL INSURANCE BROKERS CODE OF PRACTICE CONTENTS 1 Introduction Outline of the Code...3 Objectives of the Code...3 Principles of the Code...3 Monitoring of the Code...3 Review and development of
More information